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@article{199679,
        author = {Anita Roy and Sara Sonawale and Harsh Mahesh Saluja},
        title = {Digital Payment Vs Cash payment: Changing Consumer Behaviour},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {11},
        pages = {16052-16064},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=199679},
        abstract = {Digital payment systems are rapidly shifting consumer preferences away from cash, but their behavioural impact is complex. Research shows digital payments reduce the “pain of paying,” increase convenience, and lead to higher spending, more frequent transactions, and greater impulsive buying. However, cash still dominates in many offline settings due to gaps in infrastructure, trust, and financial literacy, making the transition uneven.
Adoption of digital payments is influenced by factors like ease of use, usefulness, security, trust, social influence, and regulatory support. This study, “Digital Payment vs Cash Payment: Changing Consumer Behaviour,” aims to compare digital and cash users in terms of spending frequency, impulse buying, purchase completion, and financial control across demographics. Using survey data and statistical analysis, it will examine how payment modes shape consumer behaviour. The study seeks to provide insights into when digital payments increase spending and impulsivity and when cash remains preferred, offering valuable implications for marketers, financial institutions, and policymakers.},
        keywords = {},
        month = {April},
        }